Fix Your Credit.
Faster Than Your Lawyer.
Built by top AI researchers, this is the most advanced self-help credit repair system ever created — entirely free.
No credit card · Your data never sells
Three steps to a clean report.
No confusing forms. No waiting on hold. Just upload, review, and act.
Order your 3-bureau report
Go to MyFreeScoreNow.com and pull your complete 3-bureau credit report. It is FREE with a 7-day trial and is a soft pull — not considered a hard inquiry. Our AI model works best with a full Experian, Equifax, and TransUnion report.
Upload & review your report
Upload your complete 3-bureau credit report. Our AI instantly scans and flags every derogatory account—late payments, collections, charge-offs—so you can start your dispute process with confidence.
Send & track disputes
Auto-generated FCRA letters with exact legal citations. Print, mail certified, and track the 30-day response window — all inside your dashboard.
Tri-bureau coverage · Experian · Equifax · TransUnion
Everything an attorney would walk you through — free, per item.
For every negative item on your report, choose your preferred tactic and our AI instantly builds a complete legal action plan. You get statutes, relevant case law, your FCRA rights, step-by-step instructions, ready-to-send letters, lawsuit defense strategies, counterclaims, discovery guidance, court procedures, damages calculations, IRS forms, and state-specific pointers — all in seconds.
Step 1 — Pick your tactic
Debt Validation
Force a collector to PROVE the debt under FDCPA § 1692g.
Pay-for-Delete
Negotiate payment in exchange for deletion of the tradeline.
Debt Settlement
Pay less than balance for a 'settled' status. Watch the 1099-C.
Goodwill Removal
Written courtesy ask to an original creditor for late-payment forgiveness.
Step 2 — Get your full legal guide
Collection · $1,847
Overview
Under FDCPA § 1692g, you have 30 days from a collector's first contact to demand validation. Until they produce the underlying account documentation, they must cease all collection activity — and any continued reporting may be a federal violation worth $1,000+ per occurrence.
14 sections, every angle covered
Your FCRA Rights
Plain-English list of every federal right you have
Statutes
FCRA, FDCPA, TCPA with exact citations
Relevant Case Law
Precedents that won — and why they matter
Step-by-Step Instructions
Numbered actions with clear timelines
Ready-to-Send Letters
Copy, customize, and mail certified
Deadlines
30-day clocks, SOL, what happens if you miss
Violations
What they can't do — and how to document it
Lawsuit Defense
Immediate steps and affirmative defenses
Court Procedures
Small claims, state, federal, fee waivers
Damages Calculations
Statutory, actual, punitive — how to calculate
IRS Forms & Filings
Where to find them, when to file
State-Specific Pointers
Extra protections available in your state
Resources
Pro-se libraries, NACA referrals, CFPB
Watch-Outs
Common traps that blow up DIY cases
~15 sec
Average build time
$0
Cost per action plan
$1,000+
Statutory damages available
Credit repair should be free.
The real credit score lift comes from tradelines.
Disputing costs almost nothing
Citing the FCRA and sending certified letters takes a stamp — not $99–$149 a month. We never charge for dispute letters. Ever.
Tradelines do the heavy lifting first
Seasoned authorized-user tradelines deliver the biggest FICO gains — positive payment history, aged accounts, high limits, low utilization. Add them first, then clean up negatives in weeks, not months.
Why we partnered with Tradeline Exchange
They are the leading marketplace for verified primary and authorized-user tradelines. You get the score lift first, followed by fast, effective dispute resolution.
Disputes = free, by law
FreeThe FCRA gives you every right you need. We hand you the letters, citations, and timelines — no monthly fee, no upsells.
Tradelines = the score lever
FreeAdding a seasoned tradeline with a high limit and clean history can lift a thin or damaged file faster than any dispute campaign.
Vetted marketplace
FreeTradeline Exchange verifies every line — real banks, real history, posted reporting dates. No mystery sellers.
Repair → Build → Qualify
FreeUse our AI to clean the file for free. Use Tradeline Exchange to build depth. Then qualify for the rate, the home, the card.
Legal & Compliance Disclaimer
CreditRepairAI is an educational and self-help tool, not a law firm, attorney, or credit-repair organization. We do not provide legal advice, legal representation, or guaranteed outcomes. Results vary significantly based on individual credit history, creditor responsiveness, bureau practices, and other factors beyond our control. Past performance and estimated score changes are illustrative only and do not guarantee future results. Always consult a licensed attorney for legal advice tailored to your specific situation. Our subscription fee provides access to software tools and educational content only.